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Friends Life Individual Protection
Critical Illness Cover and Critical Illness with Life CoverMembership handbook
Contents Welcome 3
General definitions 5
Critical illness definitions 9
Your membership 19
Additional options 22
What you are covered for 30
What you are not covered for 39
Changes to your membership 42
Premium options 48
How to make a claim 51
Your right to cancellation 55
General information 57
Getting in touch 60
Thank you for choosing Friends Life Individual Protection
Thank you for choosing critical illness cover
or critical illness with life cover from
FriendsLife Individual Protection.
FriendsLifeIndividual Protection products
are provided by Friends Life and Pensions
Limited, part of the Friends Life group.
With this membership we aim to provide you
and your dependants with protection should
serious illness or incapacity affect the
members ability to work and cause you
financial hardship, and help secure your
dependants financial future if a member is
The membership has been designed to offer
you the flexibility to provide you with the right
level of financial health protection to match
Friends Life flexible financial protection is the
umbrella plan which provides cover through a
series of separate memberships for different
types and levels of cover.
Your registration certificate will show which
type of membership you have. Each
membership will have a separate handbook.
This handbook explains what is covered by
Friends Life Individual Protection Critical
Illness and Friends Life Individual Protection
Critical Illness with Life Cover and what to do
if you need to make a claim.
Using the membership handbook
The terms and conditions of this membership
handbook are the terms and conditions on
which we intend to rely. For your own benefit
and protection, you should read the terms
and conditions carefully. If you do not
understand any point please ask us for further
Where the words we, us or our are used,
this refers to Friends Life and Pensions
Limited. The words you or your refer to the
person, or people, who are entitled to receive
the benefits of the membership. Where we
refer to the member(s), this refers to the
person, or people, covered under the same
membership. The terms you and member may
refer to the same people or different people.
Words printed in bold type in this handbook
are defined terms. Defined terms have a
specific meaning explained in the definition
section below or later on in the terms of this
Where we refer to you or to the member and
this refers to two people, we mean both
people jointly unless we say otherwise. For
example, where we say we will pay the
benefit to you, we mean both schemeholders
jointly, we will not pay the benefit twice.
Fairness of Terms(a) In making decisions and exercising
discretions given to us under the terms and
conditions of this membership handbook,
Friends Life will act reasonably and with
proper regard to the need to treat you and
our other customers fairly.
(b) The terms and conditions in your
membership handbook will only apply
provided that they are not held by a relevant
court or viewed by the Financial Conduct
Authority or by us to be unfair contract terms.
If a term is unfair it will, as far as possible, still
apply but without any part of it which causes
it to be unfair.
General definitionsPlease refer to the definition explanations
below for further information on their
Average Weekly Earnings
The measure used by the Office of National
Statistics which has replaced the average
earnings index. This measure is an indicator
of short-term earnings growth and provides
a monthly estimate of the level of average
weekly earnings per employee. Alternatively,
if this measure is not published during any
period of your membership the average
weekly earnings measure will be any
substituted index or index of figures
published by that Office.
The critical event benefit shown on your
registration certificate excluding the
terminal illness benefit. However, where
benefit is used in this handbook as being of
general application to all benefits covered by
this handbook, it shall be read so as to read
the benefit or the terminal illness benefit
Friends Life Individual Protection approved hospital
A centre of treatment which is registered, or
recognised under the local countrys laws, as
existing primarily for:
carrying out major surgical operations; or
providing treatment which only consultants can provide
and which has been approved by Friends Life
Child / children
Any natural child or adopted child of you or
your spouse, partner or civil partner or any
child for which either you or your spouse,
partner or civil partner are the legal guardian.
The childcover benefit as defined in the What
you are covered for section in this handbook.
Child funeral benefit
The child funeral benefit as defined in the
What you are covered for section in this
The date your membership starts, as shown
on your registration certificate.
A surgeon, anaesthetist or physician who:
is legally qualified to practice medicine or surgery following attendance at a
recognised medical school; and
is recognised by the relevant authorities in the country in which the treatment takes
place as having specialised qualification in
the field of, or expertise in, the treatment
of the disease or illness being treated.
By recognised medical school we mean a
medical school which is listed in the World
Directory of Medical Schools, as published
from time to time by the World Health
Any of the illnesses and operations as defined
in the Critical illness definitions section in this
handbook relate to any illness or operation
separately, not all of them together.
Change(s) that you require and we agree to
be made to your membership after it
commences which are recorded in the
endorsement section of your registration
The fractures defined in Blacks Medical
Dictionary (39th edition), comminuted,
complicated, compound, depressed,
greenstick, pathological and simple. The
fracture definition does not include any other
type of fracture.
Full time employment
Working a minimum of 35 hours a week.
This handbook setting out the general terms
and conditions of your membership.
Cannot be reasonably improved upon by
medical treatment and/or surgical
procedures used by the NHS in the UK at the
time of the claim.
The person (or people) named as a member in
your registration certificate. This is the
person (or people) for whom cover is provided.
The agreement between you and us to
provide the benefit on the terms set out in
the handbook and the documents referred
to in the section Your membership.
Mental disorder causing incapacity which has
failed to respond to a minimum of two years
optimal treatment by a consultant
psychiatrist and requires the need for
continuous psychotropic medication,
supervision and care from a consultant and
results in severe dysfunctioning and the
prognosis is considered poor or worse.
National Health Service.
A trade, profession or type of work
undertaken for profit or pay. It is not a
specific job with any particular employer and
is independent of location and availability.
Expected to last throughout the life of the
person covered, irrespective of when the
membership ends or the member expects
Permanent neurological deficit with persisting clinical symptoms
Symptoms of dysfunction in the nervous
system that are present on clinical
examination and expected to last throughout
the members life.
Symptoms that are covered include
numbness, hyperaesthesia (increased
sensitivity), paralysis, localised weakness,
dysarthria (difficulty with speech), aphasia
(inability to speak), dysphagia (difficulty in
swallowing), visual impairment, difficulty in
walking, lack of coordination, tremor, seizures,
lethargy, dementia, delirium and coma.
The following are not covered:
an abnormality seen on brain or other scans without definite relat